siteguru
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What's the relationship between the bank and credit provider please? (I'm unsure as to why the bank are involved - did they also provide credit/a loan for the deposit? e.g. you used a credit card, in which case it's your credit card provider not your bank who are involved [even though they may be the same parent company, e.g. Barclays]. If not then that £500 deposit - if paid by debit card - was essentially no different to paying cash).